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    • FAW counts Red Flag limousines, used by China's communist party leaders, among its products. View the full article
    • Thanks for your reply...much appreciated. Last payment date was December 2018. She had been paying £50/month from July, and they wanted £150/month, despite my partner losing her PIP (which was eventually reinstated after appeal). She stopped paying anything after they failed to supply a true copy of the original CCA (which she took out in 1981). Her name and address were different in 1981 due to marriage (and subsequent divorce!). Again, no mention of that in the “reconstituted” agreement which they supplied. Once again, many thanks and we both appreciate you putting time in to helping with this, especially due to the increased financial pressures of Covid on many people who also need your help.
    • never get a cca for a debt of that age when was the last payment date?   dx  
    • i have shrunk the uploads earlier as they exceeded in total your upload limit try now in pdf.   BTW: the file a few posts up renamed burlington comms is very damning for them they knew they had done wrong having just read it.   now this subject needs addressing and sorting. where has all your available income been going for the last 12mts...why has this debt not been paid and why did you resort to even taking out an LBL in 1st place..usually its as a result of shear desperation and financial mismanagement as you could not get money elsewhere ...why ?   this debt is a priority ...2nd to everything other that what keeps a roof over your head like mortgage , rent. CTAX. gas/electric.   mobile phone/sky/broadband/credit cards/OD's/catalogue debts or accounts and anything else you payout for needs to be either cancelled or dropped to <£5PCM..they can't do anything to your roof or your car.   spill the beans..why were you in such a whole in 2018 that you ever had to goto these sharks and expose yourself to this grief..          
    • For general info, I have a Life Fitness treadmill which has been in my garage for the past two years.  It cost around £2k so in the same ball park as yours.  It was installed for us by professionals and there was no hint that it is an unsuitable environment - because it isn’t.  The gym I use (when I can) is even less salubrious than most garages, think bare aircraft hangar rather than carpets and smoothie bars.  It is not heated.  It has a range of top end cardio equipment all working just fine.        
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

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Dial a Rod [problem]


I am posting this far and wide so other people do not get [problem]med by this company. I have had a number of other unhappy customers and suppliers contact me as a result. If you wish to add your weight to the complaint, please contact me at The Property Insurer (I cannot give email address here as I have never posted before) - I will take this as high as I need to go and believe the FSA is the correct organisation to complain to as it takes care of insurance regulation. The below I posted yesterday and despite numerous calls, still no satisfaction - avoid!


AS you will know from reading my regular blogs, I have a rental property that I let out privately. Recently I bought boiler cover from Dial a Rod for the property but I can tell you it is nothing but a complete [problem].


I bought the Gold version at £149.99 that includes a boiler service and gas safety certificate. You see I thought that those alone would cost me £85-£100 so for an extra £49.99 I would be getting boiler insurance cover and that was a good call as I have forked out some money on fixing the boiler over the years.


All was good until the agent asked me to get the gas landlords certificate. I said I would organise through Dial a Rod and duly called on the 13th April. I gave the details of the property and that I wanted the service and gas safety certificate sorted ASAP. They promised to call back.


I called again on the 25th April and was promised a call back.


On 1st May Jonathan promised me he would deal with it personally and call me back the next day. I hope he’s OK because I’ve never heard from him since.


Next I called on 3rd May and spoke with Holly who said she needed me to supply a date and time for the work to be carried out. I called on 4th May after speaking with the tenant and advised noon on 10th May was fine and the date was in the diary and agreed.


On 10th May the tenant advised that after waiting in for three hours no one had arrived for the boiler service. I called the emergency number for Dial a Rod and constantly got a voicemail – so I left a message. I also emailed my disappointment.


On the 11th May I spoke with Kerry who could tell I wasn’t happy. She had me on hold while she contacted the contractor and about 15-seconds later advised that she couldn’t get through and would refund my policy. I was not happy as I just wanted the service I had been sold and paid for but rather than waste more time on this sham firm I accepted.


On 17th May I called again to see why I had not been refunded. Sarah apparently doesn’t get into the office until 1000 so I called at 1004 and was on hold for 19-minutes before giving up and leaving a message. I am not hopeful that I will receive a call back. I am not even hopeful that I will receive my money back.


Terrible service, don’t do what they say and a complete waste of my time and effort. I cannot advise strongly enough that you avoid Dial a Rod. I am considering where and how hard I can complain in order to resolve this matter right now as I think it is very wrong that any firm can treat customers so poorly and I sincerely hope they get closed down.


Jason McClean

The Property Insurer

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Hi Jason


Welcome to CAG


The guys will be happy to advise as soon as they are available.


Please let us know how your problem has been resolved, it could help fellow Caggers.

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if you use our searh top right


you will find many others threads regarding these people.



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx


Yes, I did but I wanted to start a new thread so my complaint doesn't get lost in the others. I will follow this through and welcome any support or shared experiences.


I have given them until this afternoon for a response or I will speak with the FSA. I have previously sent two emails asking for resolution and called 9 times without a single call back.


I will of course advise on outcomes whether from them or through the channels I will use to challenge Dial a Rod.


If I can stop them [causing problems] other people then I'll be happy.



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Dial a Rod, will probably just be the brand name on this Insurance product. It is probably handled by an outsourced 'contact centre' company.


You can complain to the FOS, as this is an Insurance product. But normally you have to complain to the company first and allow them 8 weeks to resolve, before the FOS will get involved. If you want to speed this up, ask the company to either issue the refund, plus compensation now or issue their final response now, so you can immediately proceed to the FOS.

We could do with some help from you.



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If you want advice on your thread please PM me a link to your thread

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I don't think they offer an underwritten product so they are exempt from FSA regulation (they certainly don't appear on the FSA register) so you may not be able to complain via the FOS unfortunately.

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